Best Ways to Save on Houston Chevy Avalanche Insurance

Do you want to learn to get more affordable insurance rates in Houston, TX? Houston shoppers have many options when shopping for affordable Chevy Avalanche insurance. They can either spend hours contacting agents to compare prices or utilize the internet to find the lowest rates.

There is a right way and a wrong way to shop for insurance and we’ll show you the quickest way to compare rates for your Chevy and obtain the lowest price.

It’s smart to get comparison quotes on a regular basis due to the fact that insurance prices change regularly. Even if you think you had the lowest price on Chevy Avalanche insurance in Houston on your last policy there is a good chance you can find better rate quotes now. Forget all the misinformation about insurance because we’re going to show you the best methods to properly buy coverages and cut your premium.

Get cheaper Chevy Avalanche insurance in Houston with discounts

Auto insurance companies don’t always list every possible discount in an easy-to-find place, so below is a list a few of the more common and the more hidden credits that you can use to lower your rates.

• Seat Belt Discounts – Requiring all passengers to buckle up could cut 10% or more off the personal injury premium cost.
• Houston Homeowners Discount – Owning a house in Houston can help you save on insurance due to the fact that maintaining a home requires a higher level of personal finance.
• Resident Student – College-age children who are enrolled in a college that is more than 100 miles from Houston and do not have access to a covered vehicle can be insured at a reduced rate.
• Discount for Life Insurance – If the company offers life insurance, you could get lower insurance rates if you buy a life insurance policy as well.
• Policy Bundle Discount – When you combine your auto and homeowners insurance and place coverage with the same company you could earn a discount of over 10 percent off each policy depending on the company.

Just know that most of the big mark downs will not be given to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, you aren’t that lucky.

To locate insurers offering insurance discounts in Texas, click here.

The companies shown below provide comparison quotes in Houston, TX. If more than one company is shown, it’s a good idea that you get rates from several of them to find the most affordable car insurance rates.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can raise or lower price quotes significantly.

Comparison of full coverage and liability-only policies

The chart below shows the comparison of Chevrolet Avalanche insurance prices when comparing full coverage to state minimum liability only. The prices are based on no violations or claims, $100 deductibles, married male driver, and no discounts are applied.

Should you buy full coverage or liability only?

There is no clear-cut formula to delete physical damage coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Chevrolet Avalanche replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,000 after paying the physical damage deductible. If it’s costing in excess of $300 annually to have full coverage, then it might be time to buy liability only.

There are a few cases where dropping physical damage coverage is not in your best interest. If you haven’t paid off your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Rate comparison for different deductibles

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The following tables summarize the differences in premium rates when you choose different coverage deductibles. The first set of prices uses a $100 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in specific zip code location which can decrease or increase insurance rates considerably.

Based on this data, using a $100 deductible costs an average of $43 more each month or $516 for a full year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 21 months between claims, you would probably be better off if you elect the higher deductible.

How You Can Control Chevy Avalanche Insurance Rates

Multiple criteria are considered when quoting car insurance. Some are obvious like an MVR report, but other factors are more transparent such as your credit history or your commute time.

The factors shown below are some of the items utilized by car insurance companies to help set your rate level.

• Employer can influence rates – Did you know your job can affect your rates? Careers such as fire fighters, architects and medical professionals generally have the highest average rates due to intense work-related stress and long work hours. Other occupations like professors, engineers and homemakers have lower than average premiums.
• Don’t skimp on liability protection – Liability coverage will protect you when a court rules you are at fault for causing damage or personal injury in an accident. Your liability coverage provides you with a defense in court which can cost thousands of dollars. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
• Expect high rates for teens – Drivers with little experience tend to be inattentive in a vehicle and because of this, their car insurance rates are much higher. If you’ve ever had to add a youthful driver onto your car insurance can cause a big jump in price. More mature drivers are proven to be safer behind the wheel, statistically cause fewer accidents, and receive fewer citations.
• Males are more aggressive – Statistics show that men are more aggressive behind the wheel. This data doesn’t prove that women are BETTER drivers than men. Both sexes cause auto accidents in similar numbers, but the men cause more damage and cost insurance companies more money. They also receive more major tickets like driving under the influence (DUI). Youthful male drivers are the most expensive to insure and are penalized with high car insurance rates.
• Where do you drive? – Driving a lot of miles annually the more it will cost to insure it. Almost all companies calculate prices based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much receive better premium rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your Avalanche is throwing money out the window. Double check that your car insurance coverage is showing the correct usage for each vehicle.

Buying car insurance from Houston insurance agents

Some consumers still prefer to go talk to an agent and that can be a smart move Professional agents are very good at helping people manage risk and give you someone to call. One of the best bonuses of getting online price quotes is the fact that you can find cheap car insurance rates and still have an agent to talk to. And providing support for local agencies is definitely important in Houston.

To find an agent, once you fill out this short form, the quote information is submitted to local insurance agents who will give competitive quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to visit any agencies since rate quotes are delivered straight to your inbox. If for some reason you want to compare prices from one company in particular, don’t hesitate to navigate to their website to submit a rate quote request.

If you would like to find a local Houston insurance agent, it’s important to understand the types of agencies and how they can service your needs differently. Agencies in Houston are categorized either independent or exclusive. Both can do a good job, but it’s a good idea to understand the subtle differences because it can factor into which agent you choose.

Independent Car Insurance Agencies or Brokers

These agents are not employed by any specific company and that allows them to write policies with multiple insurance companies and find the cheapest rate. If your premiums go up, the agent simply finds a different carrier and you stay with the same agent. When comparing car insurance prices, it’s recommended you include price quotes from several independent agencies to ensure the widest selection of prices. Most have the option of insuring with less well-known companies that may have much lower rates than larger companies.

Below are Houston independent agencies that may be able to provide comparison quotes.

• Town and Country Insurance Agency – Houston, TX
  10575 Katy Fwy # 150 – Houston, TX 77024 – (713) 461-8979 – View Map
• Deborah A. Olson Insurance Agency, Inc.
  10592 Fuqua St – Houston, TX 77089 – (281) 481-1903 – View Map
• Allrisc Insurance Agency
  6918 Corporate Dr – Houston, TX 77036 – (713) 771-6000 – View Map

View more agents

Exclusive Agencies

These type of agents can only quote rates from one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They are unable to give you multiple price quotes so it’s a take it or leave it situation. Exclusive agents are usually well trained on the products they sell which helps them compete with independent agents. Many people purchase coverage from exclusives partially due to the brand legacy rather than having the cheapest rates.

Below are exclusive agencies in Houston willing to provide rate quotes.

• Ricky Maique – State Farm Insurance Agent
  8811 Westheimer Rd #205 – Houston, TX 77063 – (713) 781-6132 – View Map
• State Farm: Al Johnson
  8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778 – View Map
• Sean Wong – State Farm Insurance Agent
  7035 Hwy 6 N – Houston, TX 77095 – (281) 550-0555 – View Map

View more agents

Deciding on an insurance agent requires more thought than just a low price. These are valid questions to ask:

• What company holds the largest book of business for them?
• Do they specialize in personal lines auto insurance in Houston?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Do they have cheaper tiers of coverage?
• Does the agency have a good rating with the Better Business Bureau?
• If independent agents, which companies do they recommend?
• Does the agent have professional designations like CIC, CPCU or AIC?
• If you are a high risk driver, do they have special markets for your coverage?

If you get positive feedback to any questions you have as well as a price you’re happy with, you have narrowed it down to an auto insurance agent that is a good match to adequately provide car insurance.

Insurance is an important decision

Despite the high cost of buying insurance for a Chevy Avalanche in Houston, insuring your vehicle is required in Texas but also provides important benefits.

• Just about all states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability protection if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your Chevy Avalanche has a lien holder, almost every bank will require you to buy insurance to guarantee their interest in the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your Chevy at a significantly higher premium and force you to reimburse them for it.
• Insurance protects both your vehicle and your assets. It also can pay for most medical and hospital costs incurred in an accident. Liability coverage also pays for attorney fees and expenses if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance more than cancel out the cost, particularly when you have a large claim. The average driver in America is overpaying more than $855 a year so you should quote and compare rates at every policy renewal to ensure rates are inline.

Cheaper auto insurance is out there

As you restructure your insurance plan, do not skimp on coverage in order to save money. In many cases, an accident victim reduced full coverage only to find out they didn’t have enough coverage. Your goal is to purchase a proper amount of coverage at the best cost.

Insureds change insurance companies for a variety of reasons including policy non-renewal, denial of a claim, an unsatisfactory settlement offer and even unfair underwriting practices. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

In this article, we presented some good ideas how to get a better price on Chevy Avalanche insurance in Houston. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding affordable Houston car insurance quotes. Consumers could even find that the lowest rates come from a smaller regional carrier.

Helpful information

• Can I Drive Legally without Insurance? (Insurance Information Institute)
• Who Has Cheap Auto Insurance for Handicapped Drivers in Houston? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for a Toyota Tacoma in Houston? (FAQ)
• How Much are Auto Insurance Quotes for High Risk Drivers in Houston? (FAQ)
• Who Has Cheap Auto Insurance for Postal Workers in Houston? (FAQ)
• Who Has the Cheapest Houston Auto Insurance for Homeowners? (FAQ)
• Who Has Cheap Houston Car Insurance Quotes for a Chevrolet Traverse? (FAQ)
• Who Has Cheap Auto Insurance for a Honda Pilot in Houston? (FAQ)
• Side Impact Crash Tests (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Institute)
• Child Safety Seats (Insurance Information Institute)